Are you an old subscriber and played the game back when it was Pay to Play only?
If yes, I believe you should have more than the 60 cc, but I'm not sure how they determine the cc old returning subscribers had as a reward.
This is not a refer a friend issue.
If I am correct, this is a returning player not getting the CC that the original older subscribers were suppose to get based on achievements etc that they would have had and based on their subscription time they put in to begin with. If I remember how that worked correctly.
If this is the first time you've played ever, and/or this is not the account you had when you first played SWTOR you will be starting fresh for earning cartel coins.
You may need to email customer support or call them to ask what's going on with the cartel coins. Make sure you explain that you were a prior subscriber and that you are returning to the game for the first time since free to play and explain your full situation. If you were subscribed for several months while SWTOR was P2P only, I believe you should have quite a few cartel coins awarded to you.
